Fodor's Travel Talk Forums

Fodor's Travel Talk Forums (https://www.fodors.com/community/)
-   Cruises (https://www.fodors.com/community/cruises/)
-   -   Chase Sapphire Card has $10.000 worth of comprehensive travel insurance (https://www.fodors.com/community/cruises/chase-sapphire-card-has-10-000-worth-of-comprehensive-travel-insurance-1283721/)

mbw220 Apr 25th, 2017 01:23 PM

Chase Sapphire Card has $10.000 worth of comprehensive travel insurance
 
Was thinking of using this coverage, but we need more coverage than $10,000.00 Would I be able to use the Chase travel insurance and take out an additional travel insurance policy for the remainder?

jacketwatch Apr 25th, 2017 03:31 PM

Yes, I think so but interesting question s to how both insurances would work together.

eliztravels2 Apr 27th, 2017 04:07 PM

That’s not very much coverage if you think of the costs you would incur if you needed medical evacuation or hospitalization. You definitely need additional insurance. You may find when you apply you are asked if you are covered by any other policy, but I can’t imagine any insurance company not wanting to sell you insurance. Ask questions, read the fine print, and if you need to make a claim, let the insurance companies fight it out.

fmpden Apr 27th, 2017 06:58 PM

You need to be careful of the fine print. Most insurance companies have rules against double coverage and dual coverage. For example - you cannot carry two homeowners policy and collect from both in case of a fire. You cannot make money on the deal or have the appearance of trying to make money on the deal. Insurance do not fight it out. They just tell you what you and you get to fight with them. And there is a difference between travel insurance and medical insurance. Do you need both.

fmpden Apr 27th, 2017 07:02 PM

Just had a thought about a clean way to do it. Book one tour/trip on the card and for the second booking take out travel insurance to cover. Two bookings, two separate policies. That should do it. Or even two separate booking on the same credit card. Of course, that could be covered in the fine print.

Cathinjoetown May 4th, 2017 05:03 AM

Your policies might allow co-ordination of benefis where one picks up where the other leaves off.

Depending on what you want covered and where you're traveling, $10,000 doesn't go far toward repatriation or medical expenses but should be adequate to cover lost luggage, costs due to delays, etc.

As already stated, it's all in the fine print balanced by what you want covered and at what level.

scdreamer May 5th, 2017 06:14 PM

Depending on where you are cruising, and your age/health, you might want to consider whether you will need evacuation insurance in the event of a serious illness or accident while at sea.

mbw220 May 28th, 2017 10:03 AM

Thanks everyone!

doug_stallings Jun 2nd, 2017 07:56 AM

First of all, the Chase card covers only trip cancellation/interruption. So all this policy does is reimburse you up to $10K for non-refundable travel plans. It's not evacuation or medical insurance, it only covers the travel costs, not the total costs of any accident you might have while traveling. But you can buy relatively inexpensive health/evacuation only policies. It's the cancellation insurance that's the most expensive. Just make sure you are covered for the reasons you might cancel. A lot of policies exclude work reasons, so this is unlikely a cancel for any reason policy, but it's nice to have.

jacketwatch Jun 2nd, 2017 01:13 PM

The Chase Resreve card gives you "emergency evacuation and transportation" up to 100k and up to 2.5 k for emegncy medical and dental treatment as a supplement to your primary insurance policy.

kawh Jun 2nd, 2017 08:05 PM

i had posted a question about this a while back... i am wondering if anyone has actually USED this insurance for something like a cancelled cruise-- and how it worked out???


All times are GMT -8. The time now is 04:04 PM.